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32536 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 32536? There are over 9,319 occupied homes in the 32536 area. With a population size of 25,807, it's not uncommon for residence of Crestview, FL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Florida is around $1,616 per year. At, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 32536 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Crestview, FL Home Insurance Rate Quotes

32536 Home Insurance Average Premiums

Local 32536 homeowners insurance quotes comparison

$1366 /yr.

Shows Zip Code: 32536 lowest rates with discounts applied on average.

For the 32536, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1366 /yr.
Average Coverage:$1616 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1916 /yr.

What is the average home insurance cost for a home in 32536?

  • • The average homeowners insurance premium paid annually for a home in 32536 is around $1616 per year.

What does it cost on average per month for home insurance in 32536?

  • • Homeowners in 32536 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32536?

  • • Autoowners in 32536 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Crestview area, check out other zip codes nearby 32536.
Review average rates in another zip code:
32536 homeowners insurance rates
32539 homeowners insurance rates

Home Replacement Cost Coverage in 32536

Average Building Cost Per Square Foot in 32536: $167

Location: Crestview, Florida (Okaloosa County)

Average Square Footage in 32536: 1,268 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32536 before you start any project. Crestview homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32536 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32536 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,268 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Crestview area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1671,268$211,700
Additional Upgrades & Added Features$2091,268$264,625
Major Home Updates or Advancements$2511,268$317,550

It's important to understand that when you estimate your replacement cost of your home in the 32536 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32536

Best Home & Auto Insurance Agencies in 32536

Dean Insurance Group Incorporated

Address: 1455 S Ferdon Blvd Crestview, FL 32536

All American Insurance

Address: 625 N Ferdon Blvd Crestview, FL 32536

Hatcher, Ann Teel Crestview - State Farm Insurance Auto Car Life 32536 32539

Address: 497 N Ferdon Blvd Crestview, FL 32536

Allstate Insurance Companies

Address: 1324 N Ferdon Blvd Crestview, FL 32536

Chris Palm Allstate Insurance

Address: 501 N Ferdon Blvd Crestview, FL 32536

Housing Demographics for 32536

Population Review for 32536 Zip Code

For the city of Crestview, the population within 32536 has increased to over 29,309 residents in population size. The current population total is 25,807. We have broken down the population based on race below. In 32536, there are over 12709 in male population and 13098 females.

Total Population25,807
White Population16971
Black Population3975
Hispanic Population2761
Asian Population656
Hawaiian Population53
Indian Population193
Other Population868
Male Population12709
Female Population13098
Population Estimate29309

Household Data for 32536

The average number of homes in 32536 is around 9,319, there are an average of 2.75 per household. The average house value according to local real estate values is around $211,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,319
Persons Per Household2.75
Average House Value$211,700
Income Per Household$72818
Median Age33.3
Median Age Male32.1
Median Age Female34.6
32536 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
City Alias NameCRESTVIEW
County FIPS091
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
MSA_NameFort Walton Beach, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses624
Number Of Employees6131
Business First Quarter Payroll48774
Business Annual Payroll215094
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population180822
CBSA Division Population0
Congressional District01
Congressional LandArea4016.3
Delivery Residential10658
Delivery Business836
Delivery Total12234
Preferred Last Line KeyY21652
Classification Code
CSA Name
City State KeyY21652
Land Area42.493000
Water Area0.773000
City Alias Code
City Mixed CaseCrestview
City Alias Mixed CaseCrestview
Box Count490
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111920
Unique ZIP Name
SSA State County Code10450
Medicare CBSA Code18880
Medicare CBSA NameCrestview-Fort Walton Beach-Destin, FL
Medicare CBSA TypeMetro
Market Rating Area ID46
County Mixed CaseOkaloosa

Florida Homeowners Insurance News & Information

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]